1 You will receive a welcome bonus of 5,000 Aventura Points after your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, Convenience Cheques or Aventura Point redemptions. It may take up to several business days for purchases to be posted to your account. Bonus points will be awarded to primary cardholder on the first monthly statement after qualifying purchase is posted to the account. Card account must be open and in good standing at time Aventura Points are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Student Card are excluded. Offer and bonus points are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.

2 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and other charges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.

3 You will receive a welcome bonus of 5,000 Aeroplan Miles after you make your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Bonus miles will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aero Platinum Visa Card for Students are excluded. Offer and bonus miles are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.

4 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice, please refer to aeroplan.com. Aeroplan Miles will be awarded only if your CIBC Aero Platinum Visa Card for Students account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).

5 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under*. Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI and Trip Interruption Insurance may not cover certain pre-existing health/medical conditions. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S and Hawaii or collect from elsewhere at 905-403-3338.

6 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.